Bank is very disappointed when he finds out that Lin was the one who gave away the answers. The flourishing relationship between them is now ruined.  Meanwhile, the headmistress calls Lin and Bank in to find out who is the mastermind of the exam-cheating operation. The relationship between Pat and Grace also goes down the hill because Pat figures out why Grace is not the same anymore.

Bank's family is in crisis when his laundry shop gets broken into and completely trashed to pieces. Bank wants to find out who would want to do this to him.  Since he needs a lot of money to help his mother, he decides to join Lin, Pat, and Grace in the STIC plan for money. At the same time, from evidence that Lin has left at home, her parent's suspect something is wrong.